Every engagement starts with a conversation, not a product. Camba Capital is a fee-only fiduciary — the firm is paid only by its clients, never by fund companies, insurance carriers, or product sponsors. Below is the full list of the ways clients typically work with the firm.
The single biggest financial decision most working families ever make is the one nobody helps them with: lump sum versus annuity, single life versus joint-and-survivor, when to start drawing the pension, and how it all fits with Social Security and the 401(k). Camba walks through every scenario with the math on the table — no product pitch at the end. The goal is to turn a lifetime of savings into a durable paycheck.
Lump sum versus annuity analysis with side-by-side scenarios
Single life versus joint-and-survivor election (and the survivor math)
Pension start-date timing, COLA, and break-even modeling
Social Security claiming coordination across both spouses
Sustainable withdrawal modeling across pension, 401(k), and Social Security
Sequence-of-returns risk and cash-reserve planning
Notary services included for beneficiary updates, joint-and-survivor elections, and rollover paperwork
Service 02
401(k) Rollovers & Retirement Transitions
Leaving a job, retiring, or cleaning up old employer accounts is the second most consequential set of decisions most families make — and one of the most frequently mishandled. Camba walks clients through the full rollover decision with the numbers on the table: whether to move, where to move, and how to position the assets for the decades ahead. Every recommendation is made as a fiduciary.
Rollover decision analysis — stay, move, or consolidate
Tax-aware transition planning for retirement income
Clean handoff from legacy record-keepers to Fidelity Institutional or Altruist
Investment policy built for the next stage of life, and the next decade of markets
Discretionary and non-discretionary portfolio management informed by thirteen years of institutional capital markets experience. Portfolios are custodied with Fidelity Institutional for retirement assets and Altruist for tax-efficient taxable strategies, constructed using the same risk discipline applied on multi-manager trading desks. Clients choose their level of day-to-day involvement.
Discretionary management — Camba executes within an agreed investment policy
Non-discretionary management — client approves each change before it happens
Institutional risk framework adapted to household portfolios
Tax-aware rebalancing, lot selection, and loss harvesting by default
Service 04
Comprehensive Financial Planning
A full-picture plan that coordinates investments, taxes, retirement income, estate basics, insurance, and the real-world cash-flow questions that come up between meetings. Comprehensive planning is available as a standalone engagement or as part of an ongoing advisory relationship.
Cash flow, balance sheet, and goal mapping
Tax coordination with the client's CPA
Estate and beneficiary review in coordination with counsel
Most investors have no idea what they are actually paying. Between advisory fees, fund expense ratios, platform fees, 12b-1 trails, and trading costs, the true total can be two to three times the headline number. Camba provides a clear, line-by-line accounting of what a household is paying today and what a fee-only, fiduciary relationship would cost instead.
Line-by-line breakdown of current total cost of ownership
Fund expense ratio and share-class review
Advisory fee and platform fee transparency
Apples-to-apples comparison against a fee-only structure
Fee schedule
Transparent, fee-only pricing.
Camba Capital is compensated only by its clients. There are no commissions, no product revenue, and no hidden platform fees. The schedule below applies to ongoing investment management engagements.
Tier 1
1.00%
Annual fee on the first $1,000,000 of assets under management.
Tier 2
0.75%
Annual fee on all assets above $1,000,000.
Minimum
None
No account minimum. Engagements are evaluated on fit, not size.
Fees are billed quarterly in arrears based on assets under management. Standalone financial planning engagements are available on a flat-fee or hourly basis — scope and pricing are agreed in writing before any work begins.
How we meet
We come to you.
No office visit required. Camba Capital meets clients at the kitchen table, the workplace, or over Zoom — wherever the conversation about money is easiest. Serving all of Long Island, Nassau and Suffolk Counties — from Garden City and Mineola in the west, through Hicksville, Plainview, Syosset, and Huntington, out to Smithtown, Commack, Stony Brook, and Port Jefferson in the east.
Notary services are included at every in-person meeting at no additional cost. Most paperwork that requires a notary stamp — beneficiary updates, IRA rollover forms, account transfers, joint-and-survivor elections — can be handled at the kitchen table instead of a trip to the bank.
Next step
The best way to see if Camba Capital is a fit is a thirty-minute call.
No cost, no obligation, no sales pitch. A conversation about where you are, where you want to be in ten years, and whether the firm is the right partner for the work in between.